Some buildings with fire damage.

Insurance Claim Resources

Insurance Claim ResourcesNational Flood Insurance Program (NFIP) Summary of Coverage
This 4-page brochure, based on the Standard Flood Insurance Policy Dwelling Form, was developed to help you understand your flood insurance policy. See information about deductibles, what is and is not covered by flood insurance, and how items are valued at time of loss. See more Flood Insurance information info from FEMA.

Am I Covered?
From the Insurance Information Institute, see answers to a list of questions consumers most frequently ask about what is covered in a standard homeowners policy and what is not.

Homeowners Insurance Buying Guide (Consumer Reports)
Consumers typically shop for home insurance once and then forget about it, so most people don’t develop much expertise shopping for this product.  Read these helpful insurance tips and ratings from Consumer Reports.

The Consumers Guide to Homeowners Insurance (NAIC)
This easy to follow, 20-page booklet offers a helpful explanation of the components of homeowners insurance, advice, tips and the information also applies to renters.

Depreciation Basics by United Policyholders
You are entitled to accurate depreciation when filing your insurance claim. This article explains why it’s so important to understand how your insurer arrives at the figures they offer, an why you should take your time completing your home inventory.

A Consumers Guide to Homeowners Insurance (North Dakota Insurance Dept.)
This guide provides a simple overview of insurance types, and explains details in a question-answer format.

Insurance Help from a non-profit, United Policyholders (UP) The UP Claim Help library at offers useful tips, sample letters, and information on how to navigate and settle an insurance claim after a loss. UP is a consumer help non-profit with a twenty year track record and a national corps of volunteers with personal and professional expertise in insurance, rebuilding and all aspects of disaster recovery. United Policyholders’ website and Roadmap to Recovery program and tools are a great, free and trustworthy resource.

Public Adjuster Consumer Alert by the Attorney General of Texas
This informative letter explains why is it important to guard against companies or individuals who solicit your business through unsolicited e-mails, direct mail advertising or telemarketing.

National Association of Insurance Commissioners (NAIC) Map of States
State insurance departments are the best sources for company and agent licensing information.  This map provides easy links to the websites for help in every state.

Insurance Information Institute
The mission of the Insurance Information Institute (I.I.I.) is to improve public understanding of insurance — what it does and how it works.  The I.I.I. is recognized by the media, governments, regulatory organizations, universities and the public as a primary source of information, analysis and referral concerning insurance.  Their website offers many excellent resources, articles, videos and more.

Residential Property Claims Guide
Important tips and information from the California Department of Insurance at on what to do after a loss. The guide includes helpful information about the payment process and your rights as a policy holder.

Settling Insurance Claims After a Disaster
The Insurance Information Institute offers a 9-page brochure with what you need to know to file a claim, how the process works, and what’s covered and what’s not covered. Flood Insurance (opens new window)
Standard homeowners insurance does not cover flood damage, but the National Flood Insurance Program (NFIP) helps provide means for property owners to financially protect themselves.  Find resources regarding flood insurance at their website

The Cost of Flooding – Interactive Tool
This interactive tool by allows you to estimate the cost of damages after a flood in your home.  You can select a level of water damage to see the financial impact of flood related damage.